Supplemental Liability Insurance, (also known as SLI, Top-Up
and Top Guard Insurance) is an optional cover extension which
covers your liability to third parties, resulting from an auto
accident in a rental vehicle. Generally SLI provides cover for
bodily injury, and property damage, other than to the rental vehicle,
up to a maximum protection of $1,000,000 for each accident.
It is worth remembering, that in the event of an accident. you
can still be liable for third party damages, even if an accident
was caused by someone else.
Commonly Asked Questions about SLI Insurance
Q. What does "third party liability cover" mean
|In simple terms, if you are involved in an accident, irrespective
of who is to blame, you may be sued and found legally liable
to pay damages to the person or persons injured, should they
win the lawsuit. This is Third Party Liability - you may be
liable for any injuries to the third party.
Q. If I have separate travel insurance, as part of my
package, do I still need SLI ?
|Holiday insurance specifically excludes third party liability
claims arising from the use of a vehicle, therefore, if you
have an accident in your hire vehicle, and a third party is
injured as a result, you will be better off if you have opted
to accept SLI. You can however refuse it if you wish, though
the hire company will endeavour to persuade you not to refuse
SLI, and will be very careful to ensure that you fully understand
the implications of it's refusal.
Q. Does the car hire company provide any liability insurance
|The car hire company provides limited third party liability
insurance cover. SLI extends this liability to $1 million.
Liability claims may exceed the limited liability coverage
provided by the car hire company.
Q. How do I obtain SLI and what is the cost ?
|The person renting the car must indicate on the rental agreement
that you accept SLI. This must be done at the beginning of
the rental when the paperwork is being completed, since it
can not be added on once the agreement has been signed. There
is a daily charge for SLI.
Q. Do many people purchase SLI ?
|The majority of people value the additional security and
peace of mind that SLI provides, and thus usually purchase
SLI cover when completing the rental agreement, or will have
opted to extend the cover to include SLI when initially booking
Q. Are there any exclusions or limitations under SLI ?
|Yes. All exclusions of cover will be listed in the Master
policy on file in the Corporation Office.
Also SLI does not apply:
Generally a complete copy of the SLI policy is available for
inspection upon request.
- If you fail to pay the rental charges.
- If you, or any authorised driver violates the terms
of the rental agreement.
- If you do not accept SLI at the beginning of the rental
Q. If I am involved in an accident, how do I report a
|If you have an accident, you should immediately contact
the location from where you originally hired the vehicle.
They will provide any necessary assistance in completing the
This information merely provides a brief summary of SLI. It
is not intended to act as a substitute for the actual insurance
policy, which will govern all cases.
Remember that this information is purely a guide, and that
it is up to the person signing the rental agreement to decide
whether to accept or refuse additional SLI cover.